Skip to main content
  • Individuals
  • Employers
  • Advisors
Betterment Logo
Open menu
Close menu
  • Invest
    Invest
    Close menu
    • Automated investing
      Globally diversified with all trading, rebalancing, and tax management done for you.
    • Self-directed investing
      New
      Trade stocks and ETFs with tax insights you won’t find anywhere else.
    • IRAs
      Save for retirement with a tax-advantaged traditional, Roth, or SEP IRA.
    • Crypto investing
      A managed portfolio of Bitcoin and Ethereum ETFs.
    • Bond investing
      Stable income, diversification, and reduced risk from Goldman Sachs and BlackRock.
    • Portfolio options
      Explore portfolios built with low-cost ETFs.
    • Historical performance
      See how well our portfolios perform.
    • Premium
      Get 1:1 advice from a CFP® along with exclusive benefits, investing options, and more.
    • Tax-saving technology
      Get the same tax tech used by high-net-worth investors at no extra cost.
    • Socially responsible (SRI)
      Invest for a better world, from climate to social impact.
    SelfDI
    Self-directed investing is here

    Trade stocks and ETFs with tax insights you won’t find anywhere else.

    Learn more
  • Cash
    Cash
    Close menu
    • High-yield cash
      No fees or minimums. FDIC insured up to $4M.** Unlimited withdrawals. Variable APY.
    • Checking
      Everyday spending with no foreign transaction or ATM withdrawal fees.
    390supernav
    New customer offer: 3.90% APY

    Unlock our highest variable rate of the year!

    Claim offer
  • Retirement
    Retirement
    Close menu
    • 401(k) & IRA rollovers
      Our low-cost portfolios can add up to more for your retirement.
    • IRAs
      Save for retirement with a tax-advantaged traditional, Roth, or SEP IRA.
    • Solo 401(k)
      new
      Retirement account with a high contribution limit for self-employed individuals.
    • Rollover support
      Free expert guidance to consolidate your retirement.
    • Retirement planning
      Get tools and advice that can help you win at retirement.
    • 401(k) plan for your business
      Scalable retirement solutions for your employees.
    tieredoffer
    Start investing with Betterment today and earn up to $1,500!
    Claim offer
  • Premium
  • Offers
    Offers
    Close menu
    • 3.90% APY boost
      Open a Cash Reserve account and make a deposit to get a 0.65% APY boost for 3 months.
    • Earn up to $1,500
      Open any individual investing account and make a deposit to earn up to $1,500 on us.
    • Refer a friend
      Invite a friend and you both get an extra 0.75% APY boost.
    DrakeNavInvestingofferv6
    Start investing with Betterment today and earn up to $1,500!

    Open any individual investing account and make a deposit to earn up to $1,500 on us.

    Claim offer
  • Resources
    Resources
    Close menu
    • Education
    • Support
    • Customer reviews
    • Understanding risk and return
    • Pricing
    • Press
    • Careers
    • Pursue Better
    automated-investing-supernav
    Three ways it can pay to automate your investing

    Our managed offering adds value beyond a DIY approach.

    Here's how
See solutions for
  • Individuals
  • Employers
  • Advisors
Log in
Get started

See all articles

Looking for a specific topic?

  • 401(k)s
  • 529s
  • Asset types
  • Automation
  • Benchmarks
  • Bonds
  • Budgeting
  • Compound growth
  • Costs
  • Diversification
  • Donating shares
  • ETFs
  • Education savings
  • Emergency funds
  • Financial advisors
  • Financial goals
  • Flexible portfolios
  • Getting started investing
  • Health Savings Accounts
  • Home ownership
  • IRAs
  • Interest rates
  • Investing accounts
  • Market volatility
  • Mutual funds
  • Performance
  • Portfolios
  • Preparing to retire
  • Retirement income
  • Retirement planning
  • Risk
  • Rollovers and transfers
  • Roth accounts
  • Stocks
  • Tax Coordination
  • Tax loss harvesting
  • Taxable accounts
  • Taxes

No results found

All articles

  • Your Betterment experience has just undergone a major upgrade

    Your Betterment experience has just undergone a major upgrade A better way to manage your money is here. Your Betterment experience has just undergone a major upgrade, built around one idea: making managing your money more flexible and intuitive. We’ve redesigned how your accounts and goals work together, so you can organize your money the way that makes the most sense for you. What changed—and why? We’ve always believed in goal-based investing. It’s what sets Betterment apart. But in the past, each goal in Betterment was tied to a single account. That worked when needs were simpler. But you asked for more flexibility to reflect your financial life, and we’ve delivered. Now, by separating account data from goal advice, we’ve created space for more personalized guidance, clearer navigation, and more flexibility for you and your money. What you’ll see that’s new today: A cleaner design: A modern look that surfaces what matters most—no more digging through tabs. A dedicated page for each goal: Get personalized advice, projections, and next steps, all in one place. A streamlined overview of single accounts: See balances, holdings, and performance clearly, while being able to click through directly to access account details. A dedicated goal forecaster: Get insights in one place to see how actions may affect future earnings. And as a BONUS: Your Activity Page got an upgrade 🔄 Enjoy a clearer window into trades, transfers, and transactions. And we’re just getting started. We’re already building the next phase of features to make your Betterment experience more powerful and flexible. Multiple accounts in one goal: Get combined advice across different account types and tax treatments. Smarter, goal-specific advice: We’ll help you optimize every dollar for what you care about most.
 Shared goals: Soon, you’ll be able to co-own a goal with another Betterment user.
 More tailored investing guidance: Tell us your goal, and we’ll recommend the best path to get there. A faster, more user-friendly Betterment experience. To better fit your financial needs, we’ve separated account data from goal-based advice to give you more control and a better sense of ownership over your account. Whether you're planning for retirement, building an emergency fund, or simply growing your wealth through automated investing, Betterment is now better built for how you’ll manage your money. Smarter tools, personalized advice, and goal-based investing—all working together for you.

Meet some of our Experts

  • image/avatar respresenting Mychal Campos
    Mychal Campos

    Mychal Campos is Head of Investing at Betterment. His two-plus decades of experience in ...

    Read More
  • image/avatar respresenting Nick Holeman, CFP®
    Nick Holeman, CFP®

    Nick enjoys teaching others how to make sense of their complicated financial lives. Nick earned his ...

    Read More

Visit our full content library to see the full range of articles, videos, and more.

See all articles

pie chart with a document that has a ribbon on it
Betterment Logo Icon SVG Footer
  • Accounts

    • Automated investing
    • Self-directed investing
    • High-yield cash
    • IRAs
    • Crypto investing
    • Checking
    • Trusts
  • Tools

    • Portfolio options
    • Historical performance
    • Tax savings
    • Mobile app
    • Goal tracker
    • All-in-one dashboard
    • Charitable giving
    • Socially responsible (SRI)
  • Service

    • Talk to an advisor
    • Premium
    • Rollover support
    • Retirement advice
  • Resources

    • Education
    • Support
    • FAQ
    • Risk and return
    • Pricing
  • About

    • About us
    • Reviews
    • Press
    • Careers
  • Rewards

    • 3.90% APY boost
    • Refer a friend
  • Disclosures

    • Legal
  • Betterment on Instagram
  • Betterment on Facebook
  • Betterment on X
  • Betterment on LinkedIn
  • apple-app-store
  • google-play-store
  • Contact us
  • Betterment 401(k)
  • Betterment Advisor Solutions



IMPORTANT BETTERMENT DISCLOSURES 

Information is educational only and not investment or tax advice. External links are educational, and do not imply Betterment’s endorsement. All screenshots are for illustrative purposes only.


Who Provides What Service?

Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. Betterment is not a tax advisor.

Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC.  See Betterment Checking Disclosure.

Betterment at Work: 401(k) plan administration services provided by Betterment for Business LLC.  Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser.

No Betterment entity is a bank.

Special Disclosure for Betterment Cash Reserve

Betterment Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds. For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. Before investing, consider your investment objectives and Betterment LLC's fees and expenses. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data? Market Data by Xignite and FactSet. Copyright © 2025 FactSet Research Systems Inc. Fund data © 2022 Morningstar. All Rights Reserved.

© Betterment Holdings Inc. All rights reserved.Betterment, 450 West 33rd Street, FL 11 New York, NY 10001

You are viewing a web property located at Betterment.com. Different properties may be provided by a different entity with different marketing standards.

  • Site Map
  • Terms of Use
  • Privacy Policy
  • Trademark
  • Legal Directory

Google Play and the Google Play logo are trademarks of Google, Inc.

Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.

Betterment assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a third-party website, to which a published article links (a “linked website”). Such linked websites are not monitored, investigated, or checked for accuracy or completeness by Betterment. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services, and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. If Betterment has a relationship or affiliation with the author or content, it will note this in additional disclosure.

© Betterment. All rights reserved